BlastPoint's Credit Union Scorecard

WELD COMMUNITY

Charter #63122 · CO

1069 CUs in 100M-500M nationally 26 in CO

WELD COMMUNITY has 4 strengths but faces 14 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.14% above tier average
+ Net Interest Margin 0.81% above tier average
+ Share Certificate Concentration (%): Top 5.2% in tier
+ Total Delinquency Rate (60+ days): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 40.3% in tier
- Membership Headwinds: Bottom 48.1% in tier
- Institutional Decline: Bottom 58.2% in tier
- Accelerating Exit Risk: Bottom 58.2% in tier
- Efficiency Drag: Bottom 77.5% in tier
- Margin Compression: Bottom 81.2% in tier
- Cost Spiral: Bottom 84.4% in tier
- Shrinking Wallet Share: Bottom 90.3% in tier
- Indirect Auto Dependency: Bottom 94.8% in tier
- Efficiency ratio 4.77% above tier (higher cost structure)
- Member decline: -2.9% YoY
- Loan Growth Rate: Bottom 4.1% in tier
- Total Assets: Bottom 6.0% in tier
- Total Deposits: Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	7,176 -2.9% YoY-0.5% QoQ	-8.3K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Bottom 11.8% in tier
Assets	$108.8M +0.8% YoY-0.7% QoQ	$-123.1M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 5.9% in tier
Loans	$60.6M -9.0% YoY-3.1% QoQ	$-86.7M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Bottom 10.5% in tier
Deposits	$96.3M -0.2% YoY-0.9% QoQ	$-104.6M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Bottom 7.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -18.9% YoY-14.8% QoQ	+0.1%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	61%
NIM	4.4% +5.4% YoY+2.1% QoQ	+0.8%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	Top 11.4% in tier
Efficiency Ratio	81.8% +9.7% YoY+4.1% QoQ	+4.8%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	67%
Delinquency Rate	0.1% -7.6% YoY+10.2% QoQ	-0.8	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 6.6% in tier
Loan To Share	63.0% -8.8% YoY-2.3% QoQ	-9.2%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	29%
AMR	$21,861 -0.9% YoY-1.2% QoQ	$-3K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	45%
CD Concentration	5.7% -28.1% YoY-18.6% QoQ	-18.7%	24.4%	26.2%	19.8%	50%
Indirect Auto %	16.5% -21.2% YoY-2.5% QoQ	+2.7%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Stagnation Risk

risk

#224 of 554 • Bottom 40.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.95%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#267 of 554 • Bottom 48.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#140 of 240 • Bottom 58.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $108.77M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.95%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Accelerating Exit Risk

decline

#33 of 56 • Bottom 58.2% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -0.93%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Efficiency Drag

risk

#417 of 538 • Bottom 77.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.79%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Margin Compression

decline

#100 of 123 • Bottom 81.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.11%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Cost Spiral

risk

#39 of 46 • Bottom 84.4% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.22% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 67.84%

(Tier: 60.04%, National: 63.66%)

worse than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#188 of 208 • Bottom 90.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.93%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#480 of 506 • Bottom 94.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.79%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.53%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.70%

Peer Median: -

#57 of 1069 Top 5.2% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

122

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

122

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

Top Weaknesses (11 metrics)

1026

Loan Growth Rate

growth

Value: -8.95%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

1006

Total Assets

balance_sheet

Value: $108.77M

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

989

Total Deposits

balance_sheet

Value: $96.25M

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

957

Total Loans

balance_sheet

Value: $60.62M

Peer Median: -

#957 of 1069 Bottom 10.6% in 100M-500M tier

943

Total Members

engagement

Value: 7,176

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

915

AMR Growth Rate

growth

Value: -0.93%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

897

Deposit Growth Rate

growth

Value: -0.17%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

867

Asset Growth Rate

growth

Value: 0.79%

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier

856

Fee Income Per Member

profitability

Value: $110.72

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

851

Member Growth Rate

growth

Value: -2.86%

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier